Great Southern Bancorp (GSBC) AI Stock Analysis

• Market Cap: $682.57M
• Dividend Yield: 2.7%
• Average Volume (3M): 85.10K
• Price to Earnings (P/E): 10.1
• Beta (1Y): 0.75
• Revenue Growth: 4.50%
• EPS Growth: 16.92%
• Country: US
• Employees: 882
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 1.72
• Shares Outstanding: 11,467,920
• 10 Day Avg. Volume: 83,099
• 30 Day Avg. Volume: 85,098
• PEG Ratio: 2.16
• Price to Book (P/B): 1.14
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.92
• Enterprise Value/Market Cap: 1.23
• Enterprise Value/Revenue: 0.60
• Enterprise Value/Gross Profit: 3.77
• Enterprise Value/Ebitda: 2.46
• 1Y Price Target: $63.00
• Price Target Upside: 6.17% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 78 Outperform
• Price Target: $69.00 ▲(16.28%Upside)

Great Southern Bancorp's overall stock score is driven by strong financial performance and solid corporate events. While technical analysis and valuation support the score, potential challenges in deposit trends and future margin pressures slightly temper the outlook.

Great Southern Bancorp Business Overview & Revenue Model

Company Description

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

How the Company Makes Money

Great Southern Bancorp generates revenue primarily through interest income earned from its loan portfolio, which includes commercial, residential, and consumer loans. Additionally, the company earns non-interest income from service charges on deposit accounts, mortgage banking income, and fees from investment advisory and brokerage services. The bank also benefits from strategic partnerships with other financial service providers to enhance its product offerings. Key factors contributing to its earnings include effective risk management practices, a focus on maintaining a high-quality loan portfolio, and expanding its market presence through organic growth and acquisitions.

Great Southern Bancorp Financial Statement Overview

Summary

Great Southern Bancorp demonstrates strong financial health across all major financial statements. The company benefits from consistent revenue and profit growth, efficient operations, and effective cash flow management. With a stable balance sheet and low leverage, it is well-positioned for future growth. However, modest growth in stockholders' equity may present challenges for leveraging future opportunities.

Income Statement

Great Southern Bancorp has shown consistent revenue growth with a notable increase of 2.3% in the TTM compared to the previous annual period. The gross profit margin is robust at approximately 62.1%, indicating effective cost management. Net profit margin stands at 18.3%, reflecting strong profitability. The EBIT and EBITDA margins are healthy at 22.5% and 24.8%, respectively, highlighting operational efficiency.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.29, which suggests prudent financial leverage. The equity ratio is 10.2%, indicating a stable capital structure. ROE is solid at 10.7%, reflecting efficient use of equity to generate profits. However, stockholders' equity has seen modest growth, which may limit future leverage opportunities.

Cash Flow

Free cash flow has grown significantly by 104.3% in the TTM, reflecting strong cash generation capabilities. Operating cash flow to net income ratio is 1.31, indicating effective conversion of earnings to cash. The free cash flow to net income ratio is 1.22, demonstrating robust free cash flow generation relative to net income.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	355.26M	326.91M	261.12M	236.99M	252.75M
Gross Profit	216.99M	226.37M	227.57M	222.00M	196.32M
EBITDA	84.45M	94.66M	103.88M	105.50M	85.17M
Net Income	61.81M	67.80M	75.95M	74.63M	59.31M
Balance Sheet
Total Assets	5.98B	5.81B	5.68B	5.45B	5.53B
Cash, Cash Equivalents and Short-Term Investments	195.76M	689.54M	659.11M	1.22B	978.66M
Total Debt	166.34M	172.81M	189.64M	101.60M	175.69M
Total Liabilities	5.38B	5.24B	5.15B	4.83B	4.90B
Stockholders Equity	599.57M	571.83M	533.09M	616.75M	629.74M
Cash Flow
Free Cash Flow	39.14M	73.40M	46.47M	79.24M	37.70M
Operating Cash Flow	44.06M	80.70M	66.58M	84.98M	46.05M
Investing Cash Flow	-175.39M	-88.21M	-801.28M	190.71M	-131.35M
Financing Cash Flow	115.75M	50.32M	185.95M	-122.15M	428.87M

Great Southern Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 59.34
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Neutral. The current price of 59.34 is below the 20-day moving average (MA) of 60.67, above the 50-day MA of 58.22, and above the 200-day MA of 57.92, indicating a neutral trend. The MACD of 0.54 indicates Positive momentum. The RSI at 48.72 is Neutral, neither overbought nor oversold. The STOCH value of 29.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GSBC.

Great Southern Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GSBC	78 Outperform	$682.57M	10.15	11.48%	2.70%	4.50%	16.92%
NBBK	74 Outperform	$651.57M	13.93	6.92%	―	17.31%	251.27%
IBCP	71 Outperform	$672.60M	10.56	14.39%	3.08%	3.13%	-1.53%
CAC	71 Outperform	$692.99M	13.04	8.24%	4.10%	18.13%	4.86%
HBNC	70 Outperform	$688.80M	13.26	6.84%	4.10%	7.82%	170.93%
Sector *	62 Neutral	AU$10.00B	9.01	11.83%	4.87%	33.36%	41.81%
EGBN	51 Neutral	$493.63M	―	-2.63%	5.82%	-2.37%	15.33%

Great Southern Bancorp Corporate Events

Great Southern Bancorp Reports Q2 2025 Earnings Growth

Great Southern Bancorp reported preliminary second-quarter 2025 earnings of $1.72 per diluted common share, reflecting a net income of $19.8 million, up from $1.45 per share and $17.0 million in the same period last year. The company saw an 8.9% increase in net interest income due to lower interest expenses, alongside a decrease in non-performing assets and strong capital and liquidity positions, which supported strategic growth opportunities and shareholder value returns.

The most recent analyst rating on (GSBC) stock is a Hold with a $60.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.

Great Southern Bancorp Reports Diverse Loan Portfolio

As of June 30, 2025, Great Southern Bancorp reported a diverse loan portfolio totaling $4.61 billion, with significant allocations in multi-family and commercial real estate sectors. The company’s strategic regional presence, particularly in St. Louis and Texas, highlights its focus on expanding its market share in key areas, which could impact its competitive positioning and stakeholder interests.

The most recent analyst rating on (GSBC) stock is a Hold with a $61.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.

Great Southern Bancorp Declares Quarterly Dividend

On June 18, 2025, Great Southern Bancorp, Inc. announced a quarterly dividend of $0.40 per common share for the second quarter of 2025, marking the 142nd consecutive quarterly dividend. This dividend will be payable on July 15, 2025, to stockholders of record as of June 30, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (GSBC) stock is a Hold with a $61.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.

Great Southern Bancorp Holds 2025 Annual Stockholders Meeting

On May 7, 2025, Great Southern Bancorp, Inc. held its 2025 Annual Meeting of Stockholders where a quorum was present. The meeting resulted in the election of three directors for a three-year term, approval of executive compensation, and ratification of Forvis Mazars, LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025. These decisions reflect the company’s ongoing governance and operational strategies, potentially impacting its market positioning and stakeholder relations.

The most recent analyst rating on (GSBC) stock is a Hold with a $61.00 price target. To see the full list of analyst forecasts on Great Southern Bancorp stock, see the GSBC Stock Forecast page.